Call reports 2001
ST. JOSEPH CAPITAL BANK — 2001
What ST. JOSEPH CAPITAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 182,256,000 | 203,343,000 | 211,893,000 | 214,741,000 |
| Total loans | 137,333,000 | 147,760,000 | 139,992,000 | 146,962,000 |
| Allowance for loan losses | 1,932,000 | 2,058,000 | 2,210,000 | 2,274,000 |
| Securities available for sale | 20,197,000 | 31,913,000 | 25,499,000 | 45,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,927,000 | 145,751,000 | 152,982,000 | 155,169,000 |
| Interest-bearing deposits | 105,545,000 | 127,055,000 | 131,415,000 | 123,465,000 |
| Noninterest-bearing deposits | 19,382,000 | 18,696,000 | 21,567,000 | 31,704,000 |
| Equity capital | 17,295,000 | 17,594,000 | 18,141,000 | 18,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,198,000 | 6,366,000 | 9,551,000 | 12,424,000 |
| Interest expense | 1,848,000 | 3,572,000 | 5,253,000 | 6,600,000 |
| Net interest income | 1,350,000 | 2,794,000 | 4,298,000 | 5,824,000 |
| Noninterest income | 70,000 | 153,000 | 244,000 | 347,000 |
| Noninterest expense | 843,000 | 1,763,000 | 2,771,000 | 3,979,000 |
| Provision for loan losses | 80,000 | 206,000 | 358,000 | 422,000 |
| Pretax income | 505,000 | 1,042,000 | 1,550,000 | 2,076,000 |
| Income tax | 191,000 | 398,000 | 573,000 | 750,000 |
| Net income | 314,000 | 644,000 | 977,000 | 1,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,161,000 | 17,491,000 | 17,824,000 | 18,173,000 |
| Total capital | 18,900,000 | 19,372,000 | 19,673,000 | 20,135,000 |
| Risk-weighted assets | 138,953,000 | 150,334,000 | 147,556,000 | 156,623,000 |